Nicholas Padorke
Little Elm,TX
Summary
Dynamic servant leader focused on employee development, business acumen, and analytics, dedicated to maximizing profitability through exceptional customer service and mastery of key performance indicators (KPIs). Recognizing that a company's greatest asset is its employees, commitment to fostering talent and driving engagement has been central to leadership success. Extensive experience in the Mortgage Industry and Retail Sales has cultivated a versatile skill set, enabling the creation of high-performing teams that consistently achieve organizational goals. Passionate about leveraging insights and strategic initiatives to enhance operational efficiency and elevate customer experiences.
Overview
9
9
years of professional experience
Work History
Mortgage Fulfillment Manager
Pennymac
05.2025 - 12.2025
- Lead an offshore team of 56 condition reviewers and 4 leaders who review on average 1,750 files per day for borrower submitted documents for fulfilling or clearing Prior to Approval underwriting conditions.
- Owner of Homeowners Insurance, Flood insurance, and Windstorm Insurance to ensure coverage meets minimum requirements per loan program.
- Review and work open internal Prior to Approval conditions to ensure files are being worked to meet timelines.
- Consistently meets SLA of 24 hour turn time for reviewing borrower submitted documents for condition fulfillment.
- Partner with Underwriting, Processing, and Sales leadership teams to address file issues preventing conditions from being fulfilled/cleared.
- Review a daily report of conditions that have 5+ comments to address issues preventing the condition from being fulfilled.
- Takes partnership with the loan processing and sales team to help explain specific condition needs for fulfillment, to help assist the borrowers in their understanding of what is being requested and why.
Home Equity Manager
Credit Union of Texas
10.2023 - 05.2025
- Ran Processing, Closing, and Funding teams for TX HELOC loans.
- Created multiple process enhancements to improve efficiency and productivity.
- Implemented tracking and reporting measures, increasing process execution, while minimizing risk exposure.
- Improved the Member Experience through creating Service Level Agreements in each sub-department.
- Decreased turn time for each stage of the loan life cycle.
- Developed training programs for new staff, improving onboarding experience and operational knowledge.
- Streamlined loan processing, loan closing, and loan funding workflows, reducing turnaround time and increasing productivity within the department.
Regional Operations Manager
Thrive Mortgage
01.2022 - 01.2023
- Oversaw all Operations (Processing, Underwriting, & Closing) in the South-Central Texas Region.
- Reduced Turn Times from App to Close across the region by 6% and Submittal to Close by 8.7%.
- Reduced Regional Operating costs by 24%.
- Wrote and implemented numerous process enhancements, created the company closer commissions compensation plan, and collaborated with a team of leaders to implement process automation to create efficiency and capacity for the team.
- Coordinated with other regional managers to share best practices, streamline processes, and improve overall organizational effectiveness.
- Monitored and analyzed performance data, identifying areas of improvement and developing corrective action plans.
- Streamlined operational processes to enhance team efficiency and reduce turnaround times.
- Mentored junior staff, fostering skill development and improving overall performance metrics.
Closing Manager
Thrive Mortgage
01.2021 - 01.2022
- Managed closing processes, ensuring compliance with industry regulations and company policies.
- Led team in coordinating loan closings, optimizing workflows for efficiency and accuracy.
- Developed training materials to enhance staff understanding of closing procedures and best practices.
- Facilitated communication between clients, lenders, and title companies to streamline transactions.
- Reviewed documentation for precision, reducing errors in the closing process significantly.
- Analyzed operational performance to identify areas for process improvement and cost reduction initiatives.
Wholesale Closing & Funding Manager
Caliber Home Loans
05.2020 - 01.2021
- Lead a team of 35 Closers/Funders while working with Account Executives and Brokers to minimize turn times and streamline the closing/funding process/experience for our borrowers.
- Capacity to personally close & fund over 250 files per month consistently.
- Evaluated program effectiveness through data analysis and impact assessments, informing future strategy development and resource allocation decisions.
- Managed funding processes to ensure timely loan disbursements and compliance with regulatory standards.
- Developed and implemented strategies to enhance funding efficiency and reduce operational risks.
Closer/Funder
Caliber Home Loans
01.2020 - 05.2020
- Facilitated closing transactions by coordinating with clients and loan officers to ensure compliance.
- Streamlined documentation processes, reducing turnaround time for loan approvals and enhancing customer satisfaction.
- Mentored junior closers on best practices, fostering a collaborative team environment and improving overall performance.
- Analyzed closing disclosures for accuracy, ensuring adherence to regulatory requirements and minimizing errors.
- Collaborated with underwriting teams to resolve issues quickly, expediting the closing process for clients.
- Maintained high levels of customer satisfaction by addressing concerns promptly and professionally throughout the closing process.
- Managed competing priorities under tight deadlines while maintaining accuracy in document preparation for smooth transaction completion.
Post Closing RESPA Auditor
Mr Cooper
12.2018 - 12.2019
- Lead a team of auditors to conduct a 55,000 file RESPA audit project to ensure accuracy per CFPB guidelines.
- Led comprehensive audits to ensure compliance with regulatory standards and internal policies.
- Developed detailed audit reports highlighting key findings and recommendations for process improvements.
- Collaborated with cross-functional teams to enhance financial reporting accuracy and transparency.
- Streamlined audit processes, reducing turnaround time while maintaining quality control standards.
- Conducted training sessions on regulatory changes impacting auditing procedures for staff development.
Loan Originator
Various
08.2016 - 06.2018
- Evaluated borrower financial profiles to determine eligibility for mortgage loans.
- Developed and maintained relationships with homeowners to generate referrals.
- Coordinated documentation processes to ensure compliance with regulatory standards and company policies.
- Prepared and presented loan proposals to clients, ensuring understanding of terms and conditions.
- Reviewed loan applications for accuracy, completeness, and adherence to lending guidelines.
- Analyzed market trends to identify opportunities for product enhancements and competitive positioning.
Education
Accounting Major
California State University San Marcos
San Marcos, CA06.2004
Rancho Bernardo High School
Rancho Bernardo, CA01.1996
Skills
- Time Management
- Employee Relations
- Customer service
- Problem-solving
- Organizational skills
- Detail-oriented
- Daily operations management
- Process Improvement
- Leadership
- Effective Communication
- Critical Thinking
- Teamwork and collaboration
- Staff training
- Time management
- Problem-solving abilities
- Attention to detail
- Critical thinking
- Team collaboration
- Team leadership
Timeline
Mortgage Fulfillment Manager
Pennymac
05.2025 - 12.2025
Home Equity Manager
Credit Union of Texas
10.2023 - 05.2025
Regional Operations Manager
Thrive Mortgage
01.2022 - 01.2023
Closing Manager
Thrive Mortgage
01.2021 - 01.2022
Wholesale Closing & Funding Manager
Caliber Home Loans
05.2020 - 01.2021
Closer/Funder
Caliber Home Loans
01.2020 - 05.2020
Post Closing RESPA Auditor
Mr Cooper
12.2018 - 12.2019
Loan Originator
Various
08.2016 - 06.2018
Rancho Bernardo High School
Accounting Major
California State University San Marcos